Are natural disasters like hurricanes/floods/earthquakes covered?
Hurricanes Yes, windstorm is covered, however coverage for a resulting flood may be excluded. Floods No, most renters insurance policies do not cover damage caused by flood. The National Flood Insurance Program (NFIP) offers flood coverage in some areas, for contents only. Before you call an insurance company, the NFIP recommends that you call your landlord to find out the flood zone of the property you are renting. Earthquakes Not in standard renters insurance policies. In most states, policyholders must purchase optional earthquake coverage for a nominal additional premium. Check your policy for coverage and limits.
